Coffee shop in Provo-Orem-Lehi against the national picture

Provo-Orem-Lehi, UT stands 35 of 612 among metro and micro areas, with 61 SBA approvals across FY2017 to FY2026 worth $20.4 million. Measured against the nation, Provo-Orem-Lehi's coffee shop share is 1.72x the national share: Provo-Orem-Lehi leans toward the class. Inside Provo-Orem-Lehi, the class ranks 2 of 39, a big mix piece. All of Provo-Orem-Lehi's loans sit in UT.

The median Provo-Orem-Lehi loan comes to $279,400, with its middle half between $120,000 and $500,000. That median is 1.16x the national class median, so Provo-Orem-Lehi loans run larger. The program split is withheld for Provo-Orem-Lehi. Few Provo-Orem-Lehi loans back the split; Provo-Orem-Lehi gaps never mean zero. The franchised share of loans in Provo-Orem-Lehi is 50.8%, a read on branding. Provo-Orem-Lehi borrowers can read that as context.

Provo-Orem-Lehi: who holds the loans, and where

Among 7(a) loans in Provo-Orem-Lehi, SBA names as holders 10 loans worth $2.1 million at Zions Bancorporation, National Association; 6 loans worth $1.4 million at Central Bank (UT); and 5 loans worth $1.2 million at Glacier Bank. No 504 holder is listed for Provo-Orem-Lehi. Provo-Orem-Lehi rows are SBA records. Provo-Orem-Lehi lenders hold or held these loans. The Provo-Orem-Lehi table describes files, not practices. Nothing in Provo-Orem-Lehi shows what a lender will ask. Provo-Orem-Lehi place by place: Utah County, UT records 61 loans.

The yearly record for Provo-Orem-Lehi lists 7 loans and $1.5 million in FY2018, 5 loans and $1.2 million in FY2020, 7 loans and $2.4 million in FY2022, 8 loans and $2.6 million in FY2024, 7 loans and $2.6 million in FY2025 and 11 loans and $4.5 million in FY2026. FY2017, FY2019, FY2021 and FY2023 are held back for Provo-Orem-Lehi on thin counts, and Provo-Orem-Lehi's blanks mean unpublished, never zero. Provo-Orem-Lehi has no published cancellation floor. Too few Provo-Orem-Lehi approvals exist to print one. For Provo-Orem-Lehi, no charge-off floor is printed. In Provo-Orem-Lehi, a thin cohort means unpublished. The Provo-Orem-Lehi totals follow federal lines from July 2023, so each Provo-Orem-Lehi loan is placed by county, so Provo-Orem-Lehi drops loans with unmatched counties.

Provo-Orem-Lehi: testing a coffee shop project

From this coffee shop record in Provo-Orem-Lehi, UT, a study moves to a single parcel. Provo-Orem-Lehi borrowers should expect the study to document coverage if the peak hour underdelivers. For Provo-Orem-Lehi, the study should address wholesale income, kept apart from retail. For Provo-Orem-Lehi, we would first examine espresso equipment cost and short lives. A Provo-Orem-Lehi study begins by testing morning traffic counts at the site. In Provo-Orem-Lehi, underwriters will ask the study to address staffing for the morning rush. Provo-Orem-Lehi work runs demand, cost, coverage, value. Provo-Orem-Lehi lenders get evidence, not a promise.

SBA coffee shop and snack bar loans in the Provo-Orem-Lehi, UT Metro Area

Loans approved, FY2017 to FY2026	61
Gross dollars approved	$20.4 million
Median loan	$279,400
Middle half of loans, from	$120,000
Middle half of loans, to	$500,000
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	50.8%
Rank among metro and micro areas for coffee shop and snack bar loans	35 of 612
Rank of coffee shop and snack bar among the classes in this area	2 of 39
Location quotient (share of loans against the national share)	1.72x
Median loan against the national median for the class	1.16x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA coffee shop and snack bar loans approved in the Provo-Orem-Lehi, UT Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	7	$1.5 million
FY2019	withheld	withheld
FY2020	5	$1.2 million
FY2021	withheld	withheld
FY2022	7	$2.4 million
FY2023	withheld	withheld
FY2024	8	$2.6 million
FY2025	7	$2.6 million
FY2026	11	$4.5 million

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Zions Bancorporation, National Association	10	$2.1 million
Central Bank (UT)	6	$1.4 million
Glacier Bank	5	$1.2 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

County	Loans
Utah County, UT	61

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-39340-C39.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a coffee shop and snack bar project in the Provo-Orem-Lehi, UT Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Coffee Shop Feasibility Study in the Provo-Orem-Lehi, UT Metro Area